{"id":1958,"date":"2024-11-26T11:27:44","date_gmt":"2024-11-26T03:27:44","guid":{"rendered":"https:\/\/deekpay.com\/?p=1958"},"modified":"2024-11-26T11:27:44","modified_gmt":"2024-11-26T03:27:44","slug":"%e5%8d%b0%e5%ba%a6%e4%b8%89%e6%96%b9%e6%94%af%e4%bb%98%e6%9c%89%e5%93%aa%e4%ba%9b%e5%b9%b3%e5%8f%b0%ef%bc%9a%e5%85%b3%e4%ba%8e%e5%8d%a1%e7%bb%84%e7%bb%87%e4%bb%a4%e7%89%8c%e5%8c%96%e7%9a%84%e5%8d%b0","status":"publish","type":"post","link":"https:\/\/www.deekpay.com\/ko\/2024\/11\/26\/%e5%8d%b0%e5%ba%a6%e4%b8%89%e6%96%b9%e6%94%af%e4%bb%98%e6%9c%89%e5%93%aa%e4%ba%9b%e5%b9%b3%e5%8f%b0%ef%bc%9a%e5%85%b3%e4%ba%8e%e5%8d%a1%e7%bb%84%e7%bb%87%e4%bb%a4%e7%89%8c%e5%8c%96%e7%9a%84%e5%8d%b0\/","title":{"rendered":"\uc778\ub3c4\uc5d0\uc11c 3\uc790 \uacb0\uc81c\uc5d0 \uc0ac\uc6a9\ud560 \uc218 \uc788\ub294 \ud50c\ub7ab\ud3fc: \uce74\ub4dc \uae30\uad00\uc758 \ud1a0\ud070\ud654\uc5d0 \ub300\ud55c \uc778\ub3c4 \uc815\ubd80 \uaddc\uc815 \uac00\uc774\ub4dc"},"content":{"rendered":"

\"\uce74\ub4dc<\/p>\n

\uc778\ub3c4\uc5d0\uc11c\ub294 \uce74\ub4dc \ubc1c\uae09\uc0ac\uc640 \uce74\ub4dc \ub124\ud2b8\uc6cc\ud06c\ub9cc\uc774 \uc778\ub3c4 \uc911\uc559\uc740\ud589(RBI)\uc774 \uc2b9\uc778\ud55c \uacb0\uc81c \uc11c\ube44\uc2a4 \uc81c\uacf5\uc5c5\uccb4\ub97c \ud1b5\ud55c \uac70\ub798\ub97c \ucd09\uc9c4\ud558\uae30 \uc704\ud574 \uc778\ub3c4\uc5d0\uc11c \ubc1c\uae09\ud55c \uce74\ub4dc\uc758 \uce74\ub4dc \ub370\uc774\ud130\ub97c \uc800\uc7a5\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc911\uc559\uc740\ud589\uc740 Stripe India\uc640 \uac19\uc740 \uacb0\uc81c \uc560\uadf8\ub9ac\uac8c\uc774\ud130\uac00 \uacb0\uc81c \ucc98\ub9ac \uc2dc \uc2e4\uc81c \uc2e0\uc6a9\/\uc9c1\ubd88 \uce74\ub4dc \ubc88\ud638 \ub300\uc2e0 \uce74\ub4dc \ub124\ud2b8\uc6cc\ud06c \ud1a0\ud070\uc744 \uc0ac\uc6a9\ud558\ub3c4\ub85d \uc758\ubb34\ud654\ud588\uc2b5\ub2c8\ub2e4.<\/p>\n

\uc774\ub7ec\ud55c \uaddc\uc815\uc740 \uc8fc\ub85c \uc778\ub3c4 \ub0b4 \ube44\uc988\ub2c8\uc2a4\uc5d0 \uc601\ud5a5\uc744 \ubbf8\uce69\ub2c8\ub2e4. \uce74\ub4dc \ub124\ud2b8\uc6cc\ud06c\ub294 \uc774\ub7ec\ud55c \uc694\uad6c \uc0ac\ud56d\uc744 \uc900\uc218\ud558\uae30 \uc704\ud574 \uce74\ub4dc \uc628 \ud30c\uc77c(CoF) \ud1a0\ud070\ud654 \uc11c\ube44\uc2a4\ub97c \ucd9c\uc2dc\ud588\uc73c\uba70 Stripe\ub294 \uace0\uac1d\uc774 \uc0ac\uc6a9\ud560 \uc218 \uc788\ub294 \uc194\ub8e8\uc158\uc744 \uac1c\ubc1c\ud588\uc2b5\ub2c8\ub2e4. \uc778\ub3c4 \uaddc\uc815\uc5d0 \ub300\ud55c \uc790\uc138\ud55c \ub0b4\uc6a9\uc740 \"\uc778\ub3c4 \uc815\ubd80\uc758 \uc2e0\uc6a9\uce74\ub4dc \uacb0\uc81c \uc601\ud5a5\uc5d0 \ub300\ud55c \uaddc\uc81c \ubc30\uacbd\" \ubb38\uc11c\ub97c \ucc38\uc870\ud558\uc138\uc694.<\/p>\n

\uce74\ub4dc \uac70\ub798 \uccb4\uc778\uc5d0\uc11c \ubc1c\uae09\uc0ac\uc640 \uce74\ub4dc \ub124\ud2b8\uc6cc\ud06c\ub97c \uc81c\uc678\ud55c \uc5b4\ub5a4 \uc8fc\uccb4\ub3c4 \uace0\uac1d\uc758 \uce74\ub4dc \uc815\ubcf4\ub97c \uc800\uc7a5\ud560 \uc218 \uc5c6\uc2b5\ub2c8\ub2e4. \uc774 \uc81c\ud55c\uc740 \ud310\ub9e4\uc790, PA(\uc804\uc790\uacb0\uc81c \ub300\ud589\uc5c5\uccb4), PG(\uc804\uc790\uacb0\uc81c \uac8c\uc774\ud2b8\uc6e8\uc774) \ubc0f \ub9e4\uc785\uc5c5\uccb4\uc5d0 \uc801\uc6a9\ub429\ub2c8\ub2e4. \uc774\ub294 \uce74\ub4dc \ub124\ud2b8\uc6cc\ud06c \ud1a0\ud070\ud654\uc640 \ubc1c\uae09\uc790 \ud1a0\ud070\ud654\uac00 \uc5c5\uacc4\uc5d0\uc11c \uc720\uc77c\ud558\uac8c \uc2e4\ud589 \uac00\ub2a5\ud55c \ubc29\ud5a5\uc784\uc744 \ub2e4\uc2dc \ud55c \ubc88 \ud655\uc778\uc2dc\ucf1c \uc90d\ub2c8\ub2e4.<\/p>\n

\ud1a0\ud070\ud654 \uad6c\ud604\uc740 \ub2e4\ub978 \uaddc\uc815\uc758 \uc801\uc6a9\uc744 \ubc1b\uae30\ub3c4 \ud569\ub2c8\ub2e4:<\/p>\n

- \ud1a0\ud070\uc758 \ubc94\uc704\uc5d0\ub294 \ud310\ub9e4\uc790, \uace0\uac1d \uce74\ub4dc \ubc0f \ud1a0\ud070 \uc694\uccad\uc790(\uc608: Stripe India)\uac00 \ud3ec\ud568\ub418\uc5b4\uc57c \ud569\ub2c8\ub2e4.<\/p>\n

- \ud1a0\ud070\uc744 \uc0dd\uc131\ud558\uae30 \uc804\uc5d0 \uace0\uac1d\uc758 \uba85\uc2dc\uc801 \ub3d9\uc758\uc640 \ucd94\uac00 \uc778\uc99d \uc694\uc18c\ub97c \uc5bb\uc5b4\uc57c \ud569\ub2c8\ub2e4.<\/p>\n

- \ud310\ub9e4\uc790\ub294 \uace0\uac1d\uc5d0\uac8c \ud50c\ub7ab\ud3fc\uc5d0\uc11c \ud1a0\ud070\ud654\ub41c \uce74\ub4dc\ub97c \uc81c\uac70\ud560 \uc218 \uc788\ub294 \uc635\uc158\uc744 \uc81c\uacf5\ud574\uc57c \ud569\ub2c8\ub2e4.<\/p>\n

- \uac70\ub798 \uc911\uc5d0 \ud310\ub9e4\uc790\ub294 \uace0\uac1d \uce74\ub4dc \ubc88\ud638\uc758 \ub9c8\uc9c0\ub9c9 \ub124 \uc790\ub9ac\uc640 \uce74\ub4dc \ubc1c\uae09\uc0ac \ubc0f \uce74\ub4dc \ub124\ud2b8\uc6cc\ud06c \uc774\ub984(Stripe \ub300\uc2dc\ubcf4\ub4dc\uc758 \uacb0\uc81c \ud398\uc774\uc9c0\uc5d0 \ud45c\uc2dc\ub428)\ub9cc \uc0ac\uc6a9\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n

\uc774 \uaddc\uce59\uc740 \uc778\ub3c4 \uc18c\uc7ac \ud310\ub9e4\uc790\uc758 \uad6d\ub0b4 \uac70\ub798\uc5d0\ub9cc \uc801\uc6a9\ub429\ub2c8\ub2e4. Stripe\uc758 \ud574\uc678 \ud310\ub9e4\uc790\uc774\uace0 Stripe India\uc640 \uacc4\uc57d\uc744 \uccb4\uacb0\ud558\uc9c0 \uc54a\uc740 \uacbd\uc6b0\uc5d0\ub294 \uc774\ub7ec\ud55c \uaddc\uce59\uc774 \uc801\uc6a9\ub418\uc9c0 \uc54a\uc73c\uba70 \uce74\ub4dc\uac00 \ud1a0\ud070\ud654\ub418\uc9c0 \uc54a\uc2b5\ub2c8\ub2e4.<\/p>\n

\ud30c\uc77c\uc5d0 \uc800\uc7a5\ub41c \uce74\ub4dc(CoF)\uc640 \ub9c8\ucc2c\uac00\uc9c0\ub85c PCI DSS\ub97c \uc900\uc218\ud558\ub294 \ud310\ub9e4\uc790\ub9cc \ud1a0\ud070\uc744 \uc9c1\uc811 \uc800\uc7a5\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \ud604\uc7ac \ud0c0\uc0ac \uc11c\ube44\uc2a4\ub97c \uc0ac\uc6a9\ud558\uc5ec \uce74\ub4dc \uc815\ubcf4\ub97c \uc800\uc7a5\ud558\ub294 \ub2e4\ub978 \ud310\ub9e4\uc790\uc758 \uacbd\uc6b0 \ub3d9\uc77c\ud55c \ubc29\uc2dd\uc73c\ub85c \ud1a0\ud070\uc744 \uacc4\uc18d \ucc98\ub9ac\ud574\uc57c \ud569\ub2c8\ub2e4.<\/p>\n

Stripe\ub294 \ud1a0\ud070\uc744 \uc800\uc7a5\ud558\uace0 \ud1a0\ud070 \uae30\ubc18 \uac70\ub798\ub97c \ucd09\uc9c4\ud560 \ubfd0\ub9cc \uc544\ub2c8\ub77c \uce74\ub4dc \ub124\ud2b8\uc6cc\ud06c\ub97c \ud1b5\ud574 \ud1a0\ud070\uc744 \uc0dd\uc131\ud560 \uc218 \uc788\ub294 \uc778\uc99d\ub41c \ud1a0\ud070 \uc694\uccad\uc790\uc785\ub2c8\ub2e4.<\/p>\n

Stripe \ud1b5\ud569\uc740 \uc601\ud5a5\uc744 \ubc1b\uc9c0 \uc54a\uc73c\uba70, Stripe\ub294 \uace0\uac1d\uc744 \ub300\uc2e0\ud558\uc5ec \ubc31\uadf8\ub77c\uc6b4\ub4dc\uc5d0\uc11c \uce74\ub4dc \ub124\ud2b8\uc6cc\ud06c \ud1a0\ud070\uc758 \ud68d\ub4dd \ubc0f \uc0ac\uc6a9\uc744 \uc6d0\ud65c\ud558\uac8c \ucc98\ub9ac\ud569\ub2c8\ub2e4. \uc774 \ud504\ub85c\uc138\uc2a4\ub97c \uad00\ub9ac\ud560 \ud544\uc694\uac00 \uc5c6\uc2b5\ub2c8\ub2e4.<\/p>\n

\ud1a0\ud070\uc740 \ud310\ub9e4\uc790, \uace0\uac1d ID, \ud1a0\ud070 \uc694\uccad\uc790 \ubc0f \uce74\ub4dc \ub124\ud2b8\uc6cc\ud06c\uc5d0 \uace0\uc720\ud569\ub2c8\ub2e4. \ud55c \ud310\ub9e4\uc790 \ud50c\ub7ab\ud3fc\uc5d0\uc11c \uc0dd\uc131\ub41c \ud1a0\ud070\uc740 \ub2e4\ub978 \ud50c\ub7ab\ud3fc\uc5d0\uc11c\ub294 \uc720\ud6a8\ud558\uc9c0 \uc54a\uc2b5\ub2c8\ub2e4.<\/p>\n

\uae30\ubcf8\uc801\uc73c\ub85c \uce74\ub4dc \uc18c\uc720\uc790\uc758 \uce74\ub4dc\uc5d0\ub294 \ubcf4\uc720\ud55c \ud310\ub9e4\uc790-\uace0\uac1d ID \uc870\ud569\uc758 \uc218\uc5d0 \ub530\ub77c \uc5ec\ub7ec \uac1c\uc758 \ud1a0\ud070\uc774 \uc788\uc2b5\ub2c8\ub2e4. \uc774 \ub9e4\ud551\uc740 \ud1a0\ud070 \uc694\uccad\uc790(Stripe)\uac00 \uc720\uc9c0 \uad00\ub9ac\ud569\ub2c8\ub2e4. \uadf8\ub7ec\ub098 \uce74\ub4dc \ub124\ud2b8\uc6cc\ud06c\uc5d0 \uac00\uc785\ud558\ub294 \ud310\ub9e4\uc790\uac00 \ub2e4\ub978 \ud1a0\ud070 \uc694\uccad\uc790\uac00 \uc81c\uacf5\ud55c \uac83\uacfc \ub3d9\uc77c\ud55c \ud310\ub9e4\uc790 ID\ub97c \uc81c\uacf5\ubc1b\uc744 \uac83\uc774\ub77c\ub294 \ubcf4\uc7a5\uc740 \uc5c6\uc73c\ubbc0\ub85c \uc911\ubcf5\uc774 \ubc1c\uc0dd\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \ub530\ub77c\uc11c Stripe\ub97c \ud1b5\ud574 \uc81c\uacf5\ub41c \ud1a0\ud070\uc774 \ub2e4\ub978 \uacb0\uc81c \uc560\uadf8\ub9ac\uac8c\uc774\ud130\/\uacb0\uc81c \uac8c\uc774\ud2b8\uc6e8\uc774\ub97c \ud1b5\ud574 \uc0ac\uc6a9\ub420 \ub54c \ub3d9\uc77c\ud55c \ud310\ub9e4\uc790-\uace0\uac1d \uc870\ud569\uc5d0 \uc801\uc6a9\ub41c\ub2e4\uace0 \ubcf4\uc7a5\ud560 \uc218 \uc5c6\uc2b5\ub2c8\ub2e4.<\/p>\n

\ud1a0\ud070\ud654\uac00 \ucd5c\uc885 \uace0\uac1d\uc5d0\uac8c \ubbf8\uce58\ub294 \uc601\ud5a5\uc740 \ubbf8\ubbf8\ud569\ub2c8\ub2e4. \uce74\ub4dc\ub97c \ud1a0\ud070\uc73c\ub85c \uc804\ud658\ud558\ub824\uba74 \uace0\uac1d\uc774 \ud504\ub85c\uc138\uc2a4\uc5d0 \ub3d9\uc758\ud574\uc57c \ud558\uba70, \uadf8 \ud6c4\uc5d0 \uc9c0\uc18d\uc801\uc778 \uac70\ub798 \uacb0\uc81c\uac00 \uc774\ub8e8\uc5b4\uc9c8 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc774\ub294 \uc2e0\uaddc \uce74\ub4dc\uc640 \uc800\uc7a5\ub41c \uce74\ub4dc \ubaa8\ub450\uc5d0 \uc801\uc6a9\ub429\ub2c8\ub2e4.<\/p>\n

\ube44\uc988\ub2c8\uc2a4 \uc6b4\uc601\uc744 \uac04\uc18c\ud654\ud558\uae30 \uc704\ud574 Stripe\ub294 \uc0c8\ub85c\uc6b4 UX \ud504\ub85c\uc138\uc2a4\ub97c \uad6c\ucd95\ud558\uac70\ub098 \ud1b5\ud569\uc744 \uc218\uc815\ud558\uc9c0 \uc54a\uace0\ub3c4 \ud310\ub9e4\uc790\ub97c \ub300\uc2e0\ud558\uc5ec \uace0\uac1d \ub3d9\uc758\ub97c \uc218\uc9d1\ud560 \uc218 \uc788\ub294 SMTC(Stripe Managed Tokenised Consent)(\uacb0\uc81c \ud504\ub85c\uc138\uc2a4\uc758 \uc77c\ubd80\uc778 \uc591\uc2dd \ubcf4\uae30\uc758 \uc2a4\ub2c8\ud3ab)\ub97c \ub3c4\uc785\ud588\uc2b5\ub2c8\ub2e4.<\/p>\n

\uc790\uccb4 \uc0ac\uc6a9\uc790 \uc9c0\uc815 \ub3d9\uc758 \uc218\uc9d1 \ud504\ub85c\uc138\uc2a4\ub97c \uad6c\ucd95\ud558\uac70\ub098 \ud1b5\ud569\ud558\uc5ec \uacb0\uc81c \ud658\uacbd\uc5d0\uc11c \uc6d0\ud65c\ud558\uac8c \uc2e4\ud589\ud558\ub824\ub294 \uacbd\uc6b0 Stripe\uc5d0\uc11c \ud638\uc2a4\ud305\ud558\ub294 \ud1a0\ud070\ud654\ub41c \ub3d9\uc758 \uc218\uc9d1 \ud504\ub85c\uc138\uc2a4\ub97c \uc635\ud2b8\uc544\uc6c3\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4(\uc544\ub798 \ud504\ub85c\uc138\uc2a4 \uc635\ud2b8\uc544\uc6c3\ud558\uae30 \ucc38\uc870).<\/p>\n

\uace0\uac1d \uc740\ud589 \uce74\ub4dc\ub97c \ud1a0\ud070\ud654\ud55c \uc0ac\uc6a9\uc790\uc758 \uacbd\uc6b0, \uc774\uc81c \uc800\uc7a5\ub41c \uce74\ub4dc\uc758 \ub9c8\uc9c0\ub9c9 \ub124 \uc790\ub9ac \uc22b\uc790\ub9cc \ud45c\uc2dc\ub429\ub2c8\ub2e4.<\/p>\n

\uce74\ub4dc\ub97c \ud1a0\ud070\ud654\ud558\uc9c0 \uc54a\uae30\ub85c \uc120\ud0dd\ud55c \uce74\ub4dc \uc18c\uc9c0\uc790\uc758 \uacbd\uc6b0 \ubaa8\ub4e0 \uce74\ub4dc \uac70\ub798\uc5d0 \ub300\ud574 16\uc790\ub9ac \uce74\ub4dc \ubc88\ud638, \ub9cc\ub8cc\uc77c \ubc0f CVV \uc804\uccb4\ub97c \uc785\ub825\ud574\uc57c \ud569\ub2c8\ub2e4.<\/p>\n

Stripe\uc758 \uad00\ub9ac \ud1a0\ud070\ud654\ub41c \ub3d9\uc758 \uc218\uc9d1 \ud504\ub85c\uc138\uc2a4 \uc0ac\uc6a9\uc744 \uc911\uc9c0\ud558\uace0 \uc0ac\uc6a9\uc790 \uc9c0\uc815 \ud504\ub85c\uc138\uc2a4\ub97c \uc9c1\uc811 \uc0dd\uc131\ud558\ub824\uba74 Stripe \ub300\uc2dc\ubcf4\ub4dc \uc124\uc815\uc758 \uaddc\uc815 \uc900\uc218 \uc139\uc158\uc73c\ub85c \uc774\ub3d9\ud558\uc5ec '\uce74\ub4dc \uc800\uc7a5\ub41c \ub3d9\uc758\"\ub97c \uc120\ud0dd\ud569\ub2c8\ub2e4.<\/p>\n

'\uce74\ub4dc \ubcf4\uad00 \ub3d9\uc758'\uc5d0\uc11c '\uc218\uc9d1 \ud655\uc778 \ub3d9\uc758'\ub85c \uc804\ud658\ud569\ub2c8\ub2e4.<\/p>\n

\uc635\ud2b8\uc544\uc6c3\ud558\uba74 \uace0\uac1d \ub3d9\uc758\ub97c \uc9c1\uc811 \uc218\uc9d1\ud574\uc57c \ud558\uba70, \uce74\ub4dc \uc18c\uc720\uc790\uac00 \uacb0\uc81c \uacfc\uc815\uc5d0\uc11c \ub3d9\uc758\ud558\ub294 \uacbd\uc6b0\uc5d0\ub9cc \uce74\ub4dc \uc138\ubd80 \uc815\ubcf4\uac00 Stripe \uace0\uac1d \uac1c\uccb4\uc5d0 \uc800\uc7a5\ub418\uc5b4 \ub098\uc911\uc5d0 \uc0ac\uc6a9\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n

Stripe \uccad\uad6c, Stripe \uccb4\ud06c\uc544\uc6c3 \ub610\ub294 Stripe \uc5d8\ub9ac\uba3c\ud2b8\ub97c \uc0ac\uc6a9\ud558\uc9c0 \uc54a\ub294 \uc0ac\uc6a9\uc790\uc758 \uacbd\uc6b0 \uace0\uac1d\uc758 \uce74\ub4dc \ubc88\ud638\uc5d0 \uc758\uc874\ud558\ub294 \ubaa8\ub4e0 \ud504\ub85c\uc138\uc2a4\uac00 \uc601\ud5a5\uc744 \ubc1b\uc2b5\ub2c8\ub2e4. \ud50c\ub7ab\ud3fc \uba54\ucee4\ub2c8\uc998 \uc0ac\uc6a9\uc744 \uc911\ub2e8\ud558\ub3c4\ub85d \uc120\ud0dd\ud558\uace0 \uace0\uac1d\uc758 \ub3d9\uc758\ub97c \uc5bb\uc5b4\uc57c\ub9cc Stripe \uc2dc\uc2a4\ud15c\uc5d0\uc11c \uc815\ubcf4\ub97c \ud1a0\ud070\ud654\ud558\uc5ec \uc800\uc7a5\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>","protected":false},"excerpt":{"rendered":"

\uc778\ub3c4\uc5d0\uc11c\ub294 \ubc1c\uae09\uc0ac\uc640 \uce74\ub4dc \ub124\ud2b8\uc6cc\ud06c\ub9cc \uc778\ub3c4\uc5d0\uc11c \ubc1c\uae09\ud55c \uce74\ub4dc\uc758 \uce74\ub4dc \ub370\uc774\ud130\ub97c \ub2e4\uc74c\uc744 \ud1b5\ud574 \uc800\uc7a5\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"om_disable_all_campaigns":false,"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"footnotes":""},"categories":[11],"tags":[],"class_list":["post-1958","post","type-post","status-publish","format-standard","hentry","category-11"],"yoast_head":"\n\u5370\u5ea6\u4e09\u65b9\u652f\u4ed8\u6709\u54ea\u4e9b\u5e73\u53f0\uff1a\u5173\u4e8e\u5361\u7ec4\u7ec7\u4ee4\u724c\u5316\u7684\u5370\u5ea6\u653f\u5e9c\u6cd5\u89c4\u6307\u5357 - 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